Agricultural lender liability decisions in the courts stem from a 1984 Texas precedent against State National Bank of El Paso based on "harmful" management. Angry debtors also invoke bad faith in extension of credit and abuse of "trust and confidence" as the economy darkens and banks become bigger and more impersonal. Banks must therefore enforce loan policies consistently and keep lines of communication with borrowers open and clear of any signs of hostility. Binding arbitration clauses in loans avoid courtroom scenes.